A NEW LAW COULD AUTOMATICALLY ENROLL YOU IN MEDICARE ADVANTAGE MEDICARE UPDATE:
Medicare is complicated. The rules, the choices, and the fine print can overwhelm even the most careful person. That’s why it’s important to keep an eye on new proposals in Washington, D.C., because changes in the law can affect your coverage and pocketbook. THE BILL YOU SHOULD KNOW ABOUT In May 2025, Congress introduced a proposal called H.R. 3467 . If passed, starting in January 2028, it would: • Automatically place people with Medicare Part A and Part B into a Medicare Advantage plan with a lower out of pocket cost in their area. • If multiple plans are tied for the lower cost plan, the government will pick one for you. • Once enrolled, you can “opt out,”
3. Review Your Plan Annually. Costs, plans, and networks change every year. 4. Get Knowledgeable Help. Medicare doesn't have to be a maze; you don't have to do this alone. FINAL THOUGHTS Automatic enrollment into Medicare Advantage may sound convenient, but convenience doesn’t always mean quality care. Your healthcare decisions deserve more than a lower out of pocket shortcut. They deserve careful thought, professional guidance, and a plan tailored to your life and health.
• That means your care could cost more than you expect.
but if you stay, you’re locked into that plan for three years before you can change.
WHY PROFESSIONAL GUIDANCE WITH A LICENSED INSURANCE AGENT IS ESSENTIAL Choosing the right Medicare plan based on your needs is one of the most important decisions you make. It affects:
At first, this might sound like a relief as there's one less decision. However, the lower out of pocket cost plan is not always the best fit for your health needs. WHY THE RIGHT TO CHOOSE MATTERS Medicare isn’t one-size-fits-all. Everyone’s situation is unique. That’s why choice matters so much. Here are four key reasons: Doctor and Hospital Networks • Medicare Advantage plans use networks of doctors and hospitals. • The lower cost plan may not include your doctor or cover care when you're away from home. Prescription Drug Coverage • Every plan has its own list of covered drugs and preferred pharmacies. • A lower out of pocket cost might not cover the prescriptions you rely on, or could require you to switch pharmacies.
• Your doctors • Your medications • Your costs • Your peace of mind
That's why working with a licensed insurance agent makes such a difference: • We look at your whole situation. Health conditions, prescriptions, doctors, and lifestyle all matter. • We review many plans side by side. Not just the cheapest option. • We explain the fine print. Networks, copays, and deductibles without the jargon. • We put your interests first. The
If this bill progresses, we’ll keep you posted. Until then, remember:
• Medicare is personal. • You deserve the freedom to choose. • We’re here to guide you every step of the way. NEED HELP? Have questions about Medicare or your current coverage? Call us today at 402-614-3389 or email Chris@ OmahaInsuranceSolutions.com to speak with a licensed insurance agent professional. We'll help you make the choice that's right for your needs.
right plan is the one that best fits your needs, not just your wallet.
WHAT YOU CAN DO Here’s how to protect yourself if laws like this move forward: 1. Stay Informed. We’ll continue to update you on Medicare changes. 2. Ask Questions. If something sounds confusing, don’t hesitate to reach out.
Out-of-Pocket Costs • Lower out of pocket costs plans
often look attractive but can come with higher copays, deductibles, and out-ofpocket maximums.
2 • OmahaInsuranceSolutions.com
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